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Planning for retirement

Planning for retirement

Taking an active role in planning your retirement will not only make you feel more confident about your financial future, it will help boost your retirement savings, so you can live the retirement lifestyle you want.

It’s never too early to get started. We can guide you through every stage, from growing your wealth through investments such as superannuation, property or shares, to boosting your super savings and helping you transition into retirement if you’re not ready to stop work just yet.

Whether you decide to manage your retirement planning yourself, or enlist the services of a financial planner, we can help you prepare for this important stage of your life.

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Your choice of related products

Financial Planning

When preparing to retire, it is important to define your post-work goals and work out a strategy for achieving them.

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With improved life expectancy, Australians can look forward to a shorter career and a longer retirement than past generations. This means being smart with your retirement savings is more important than ever.

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Retirement income

Financial security is one of the biggest priorities for those planning their retirement. An annuity is a low-risk investment for people who want to receive a regular guaranteed payment, either for an agreed term or for the rest of their life.

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Allocated pensions are a popular way to receive an income after retirement. By rolling superannuation savings into an allocated pension, retirees can enjoy significant tax benefits. Income payments are funded from your superannuation lump sum and the investment earnings this generates.

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A transition to retirement strategy can give you more flexibility and allow you to take advantage of tax concessions to help achieve the lifestyle and super balance you want.

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Superannuation

A self managed super fund (SMSF) is a great way to take control of where your retirement savings are being invested. To help you reach your goals and grow your wealth, we’ve built a comprehensive range of SMSF-friendly tools and information.

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There are a number of ways to optimise your superannuation, so your retirement savings can grow faster. For most people, the tax advantages of saving through super can make it a better option than saving outside of super.

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Cash, shares and investments

With a Term Deposit, your interest is fixed for your chosen term.  Invest from $5,000  for terms of between one month and five years and take advantage of our range of interest payment options.

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As Australia's number one online broker, with over 18 years of experience helping investors reach their goals, CommSec has the tools and support to help you trade with confidence.

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Managed funds provide access to a range of sophisticated investments – some of which aren’t usually available to individual investors. You can start with just $1,000 and are able to choose your preferred investment type and receive access to different asset classes, companies and countries.

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Whether you’re investing in shares as part of a wealth-building strategy, or building a portfolio within a self-managed super fund (SMSF), shares can be a great alternative to superannuation and allow you to access your money before retirement.

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Plan for life events and financial goals

Managing an inheritance

Managing an inheritance

Think carefully about how you can make the most of your inheritance over the long term. The best way to invest these funds will depend on a number of factors, such as your age, income and financial situation.

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Supporting your family

Supporting your family

Taking control of your finances is especially important if you have a family to support, whether it’s a new baby, older children or ageing parents.

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Getting started

Getting started

It’s never too early to get started. No matter what your age or life stage, taking control of your super savings and investments will help you enjoy a more comfortable retirement.

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From the blog

No pension till age 70?

There’s been plenty of talk about the effect Australia’s aging population will have on our federal budget, and for good reason.

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Superannuation myths

Superannuation can be complicated – but it doesn’t have to be. To help you cut through the clutter we’ve busted four common myths around superannuation.

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Super mistakes not to make

Super is key to living comfortably in the future. Yet many of us fall into some common, and easy to prevent, super traps.

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Things to know before you Can:     

The information contained on this web page is of a factual nature only and is not intended to constitute financial product advice. It has been prepared by Commonwealth Financial Planning Limited without considering your individual objectives, financial situation or needs. You should consider its appropriateness in light of your circumstances and consider seeking professional advice relevant to your individual needs before making a decision based on this information. Commonwealth Financial Planners are Representatives or Authorised Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.